Home Insurance

Happy african american couple searching for ideas using laptop sitting on sofa with boxes around room

Your property is one of your most valued assets. We provide you with options, so you can choose the coverage that’s right for you. Whether you are a new home buyer or a retiree with no mortgage, Howard Mutual has an insurance option for you, and we still make house calls.

Insurance on Your House

  • Comprehensive or limited perils options
  • Swimming pools and fixed outdoor equipment
  • Trees, plants, patios – includes removal of debris from insured loss
  • Optional guaranteed replacement cost on contents
  • Separate coverage for detached garages and sheds

Home Contents and Personal Property

  • Comprehensive or limited perils options 
  • Replacement cost coverage 
  • Extensions for property while away from your home and for students’ contents ​
  • Includes property of family members living in your home  
  • Specialty coverage available for jewelry, fine arts, collectibles, tools, musical instruments, electronic equipment, and watercraft

Other Features

  • Protection against fraud for your credit/debit cards and cheques 
  • Coverage on the contents of your freezer if it breaks down 
  • Cleanup coverage if gas, oil, or other pollutants are accidentally spilled on your property

Additional Living Expense

  • Coverage for the extra cost of living away from your home while your house is being repaired, if the damage was caused by an insured loss

Public Liability

  • We will defend you and pay for losses you are legally liable for if someone sues you because you injured him or her or damaged their property 
  • Many optional extensions available